Qfin Holdings, Inc.

Qifu Technology, Inc. American Depositary Shares represent a leading Chinese technology company specializing in credit-focused financial services. As a provider of advanced Credit-Tech solutions, Qifu Technology offers a comprehensive suite of products that facilitate the lending process for financial institutions and borrowers alike. The firm operates through both credit-driven services—which include borrower acquisition, credit evaluation, fund matching, and post-loan management—and platform services that leverage a capital-light model and intelligent risk management via SaaS offerings. These services are designed to enhance loan accessibility and personalization, particularly for individual consumers and small and medium-sized enterprises (SMEs), enabling partner institutions to better target, assess, and manage client credit needs efficiently. Headquartered in Shanghai and employing over three thousand staff, Qifu Technology has positioned itself as a significant player in the consumer lending and financial technology sector within China, underpinning the modernization and diversification of the country’s financial infrastructure. The company is notable for its robust profitability metrics, consistent dividend payments, and a high level of free float, making it a widely held and closely followed entity in international capital markets.